Business View Magazine | April/May 2022

176 BUSINESS VIEW MAGAZINE VOLUME 9, ISSUE 4 better place to live.” The bank participates in community outreach events, including providing meals to those in need and taking part in a local health challenge where individuals had to each walk 100 kilometers. The total amount they donated through the walk was about $10,000, which went to multiple food pantries. In addition to donating funds, the bank also encourages its staff to give back through volunteer time. Each year, each employee is given eight volunteer hours that they can use to donate their time to local charities. Tioga State Bank has partnered with the local schools to help educate children on financial literacy. Students learn about how their credit score affects insurance costs, what they need to get a loan as well as basic financial literacy skills. “Financial literacy is just so important, and that’s something that isn’t necessarily being taught in school,” Fisher emphasizes. “We really think it’s The teamwork and passion behind what we were doing was amazing. The community is part of why we are successful as a bank.” When it comes to loans, TGA is an incredible partner for Tioga State Bank. As Fisher attests,“ In my 20 plus years as a banker, TGA’s loan review is one of the best that I have seen. Their risk- based approach ensured coverage of our most risky loans while ensuring appropriate portfolio coverage based on our credit risk. I highly recommend them.” Tioga State Bank is dedicated to giving back all year round. About five years ago, they established a charitable foundation to make giving even more of a priority. Every year, five percent of the bank’s net income goes into the foundation, which then gives the money to various not-for- profits in the community. Fisher explains, “We do a quarterly granting process so not-for-profits can apply for different grants to help improve our community and make our community a